Find USDA Eligible Properties in Garrard County

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December Featured Agent
Ken Ritter   from   Coldwell Banker McMAHAN

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Looking to buy in Garrard County, Kentucky?

There are 257 USDA backed residential loans in Garrard county with an average loan balance of $104,329. Over 75% of the loans helped first time home buyers. Borrowers were an average age of 37 years old. The typical appraised home value was around $106,029. On average the rural home size purchased with this loan was approximately 1,421 SqFt. Garrard county applies the standard USDA income limits to determine loan eligibility. For a household of upto 4 people the income limit is $90,300. For a household of between 5 and 8 people the income limit is increased to $119,200.

The size of Garrard County is roughly 606 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Garrard County is 6. Look below for the interactive county level map illustration below for more details.

Select from the list of cities below or use the search feature to find active property listings in a city where you would like to live.

Start your search for USDA loan eligible properties in the cities of Garrard County, KY   Garrard QR code
* cities most likely to have USDA loan eligible properties for sale.

Bourne   •   Bryantsville   •   Buckeye   •   Cartersville   •   Davistown   •   Hackley   •   Hyattsville   •   Judson   •   *Lancaster   •   Lowell   •   Manse   •   Marcellus   •   Marksbury   •   McCreary   •   Nina   •   Paint Lick   •   Point Leavell   •   Teatersville   •   Toddville

A USDA loan is a mortgage option available to eligible homebuyers that is sponsored by the United States Department of Agriculture to promote homeownership in rural communities. USDA Loans, sometimes called "RD Loans," offer 100% financing options on eligible rural properties. USDAProperties can help you find USDA properties in Garrard County.

Interested in the geographic boundaries that define USDA Loan eligibility?
View the detailed USDA boundaries and read about general conditions of
Garrard County, Kentucky
USDA Boundary Details

Garrard County, located in the great state of Kentucky, was founded in 1796 and named in honor of James Garrard, the second governor of Kentucky. It is situated in the central part of the state and covers an area of 234 square miles. The county seat is Lancaster, which was established in 1797.

The region has a rich history, with early settlers arriving in the late 1700s. These pioneers mainly practiced subsistence farming and lived in log cabins. Garrard County served as a vital link between Kentucky's Bluegrass region and the south-central regions of the state. Its early economy was primarily based on agriculture, with crops such as tobacco, corn, and hemp being cultivated by both small farmers and large plantation owners. In the 19th century, the county saw the development of the tobacco industry and distilleries, leading to economic growth.

Throughout the 19th and 20th centuries, Garrard County's economy evolved to include other industries, such as manufacturing, transportation, and retail trade, in addition to farming. The population of the county has grown moderately, reaching roughly 17,000 residents in the 21st century.

A fun fact about Garrard County is that it is home to Herrington Lake, a popular recreational destination constructed in the 1920s. This man-made lake is the deepest in Kentucky, with a maximum depth of about 249 feet. It offers activities such as fishing, boating, swimming, and camping, attracting both locals and visitors to enjoy its natural beauty.

Featured Cities of Kentucky
Lancaster Hyattsville
Featured Properties from USDA Loan Eligible Regions of Garrard County
260 Apache Dr
Paint Lick, KY

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114 Ridgeway Dr
Lancaster, KY

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7500 Highway 1295
Paint Lick, KY

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